BanksGERBER STATE BANK, THE

GERBER STATE BANK, THE

ARGENTA, ILSmallEst. Oct. 1, 1887, midnightFDIC #899RSSD #663638FDIC
Latest · 2025-12-31

GERBER STATE BANK, THE is an FDIC-insured commercial bank headquartered in ARGENTA, IL, established in Oct. 1, 1887, midnight. As of 2025-12-31, the bank reported total assets of $101M and total deposits of $77M. Profitability stands at 1.28% ROA and 13.30% ROE, with a net interest margin of 3.21%. CET1 capital ratio: 9.93%. NPL ratio: 1.23% · Texas Ratio: 5.46%. Operates 2 domestic branches.

Assets
$101M
Deposits
$77M
Loans
$48M
Equity
$10M

Profitability

Return on Assets (ROA)1.28%
Return on Equity (ROE)13.30%
Net Interest Margin3.21%
Yield on Assets4.71%
Cost of Funds1.55%

Asset Quality

NPL Ratio1.23%
Net Charge-Off Ratio-0.08%
Texas Ratio5.46%
NPA Ratio0.58%
ACL / Loans1.52%

Capital & Liquidity

CET1 Ratio9.93%
Tier 1 Capital9.93%
Total Capital Ratio10.43%
Leverage Ratio11.87%
Loan-to-Deposit61.48%

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